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Dealing with Small Businesses
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Dealing with Small Businesses

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Provides an introduction on how to deal with small businesses.

Provides an introduction on how to deal with small businesses.

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Dealing with Small Businesses Presentation Transcript

  • 1. INTRODUCTION TO DEALING WITH SMALL BUSINESSES
  • 2. Author/Lecturer
    • DAVID L. OSBURN
    • David is the founder and managing member of David L. Osburn & Associates LLC, a Las Vegas-based business training and contract CFO firm that provides seminar/keynote speeches for various groups including CPAs, bankers, attorneys, credit union employees, credit managers, trade groups, and businessowners. He also serves as a contract CFO for a large multi-state construction company, co-manages a bank educational program with the University of Nevada Las Vegas, and is a board member of North Star Business Services, a commercial lending company (commercial real estate and equipment financing).
    • His extensive professional background encompasses over 25 years in banking, finance, and marketing. His bank commercial lending credentials include comprehensive loan underwriting, management, customer development, and loan workout experience.
    • In addition, David is an Adjunct Professor for Regis University, an accredited MBA program and the College of Southern Nevada, a community college. He has taught college courses for over 24 years, covering Finance, Accounting, Economics, Marketing, Banking, Business Law, and Management.
    • He earned an MBA in Finance/Marketing from Utah State University and a BS in Finance from Brigham Young University. He is also a graduate of the University of Oklahoma National Commercial Lending School.
    • David L. Osburn & Associates, LLC
    • A Business Training & Contract CFO Firm
    • David L. Osburn, MBA
    • Managing Member
    • 7521 Enchanted Hills Ct.
    • Las Vegas, Nevada 89129
    • Direct: (702) 655-1187
    • Fax: (702) 382-2298
    • E-Mail: [email_address]
    • Website: dlosburn.com
  • 3.
    • CREDIT ISSUES IN SMALL BUSINESS
    • 1) Introduction to Dealing with Small Business: Tuesday, 7/7/09, 9am
    • 2) Small Business Legal Issues: Friday, 7/17/09, 9am
    • 3) Dealing with the Small Business Owner/Guarantor in Today’s Economy:
    • Tuesday, 8/18/09, 9am
    • 4) Providing Credit to Small Businesses in Today’s Economy: Tuesday,
    • 8/4/09, 9am
    • 5) Small Business Risk Factors in Today’s Market: Tuesday, 9/1/09, 9am
    • 6) Target Marketing to Small Businesses: Tuesday, 9/15/09, 9am
  • 4.
    • INTRODUCTION TO DEALING WITH SMALL BUSINESSES
    • I. How to Deal with Small Businesses:
    • a) How Would You Define a Small Business?
    • b) Who Owns/Starts Small Businesses?
    • c) What are the “Hot” Issues Effecting Small Businesses Today?
    • d) What is the SBA?
  • 5.
        • II. An Introduction to Small Business Legal Issues including
        • Entity Structure :
        • a) Entity Structure:
        • 1) Sole Proprietorship
        • 2) Subchapter S Corporation
        • 3) LLC
  • 6. b) Setting Up the LLC: 1) Articles of Organization 2) Operating Agreement 3) Annual List of Members c) Managing An LLC (from an Entity Standpoint): d) The Role of the Resident Agent:
  • 7.
    • III. Providing Credit to Small Businesses:
    • a) Underwriting a Small Business
    • b) Products:
    • 1) Lines of Credit
    • 2) Equipment Loans/Leases
    • 3) Letters of Credit
    • 4) Commercial Real Estate Loans
    • c) Personal Guarantees
    • d) Credit Scoring
  • 8.
    • IV. How To Deal with the Business Owner:
    • a) Negotiation Skills
    • b) Empathy
    • c) Ego
    • d) Mediation
  • 9.
    • V. Risk Factors in Today’s Market :
    • a) Economic Cycles Ex. The Recession
    • b) Economic Variables Ex. Interest Rates, Inflation, Supply &
    • Demand, etc.
    • c) Competition
    • d) Human Factors
  • 10.
    • V. How To Target Market to Small Businesses :
    • a) The Target Market
    • b) The 4 “Ps” of Marketing
    • c) Social Marketing